Which score is correct?? True Credit or My Fico??

Question

I was signed up with myfico.com and my equifax was 599 and I signed up with truecredit.com today and they say its 657.........Which one is right? Which one do the creditors go by??? Sorry, so many questions I am trying to rebuild my credit!!

Answer 1

599 could've been the beacon score from equifax...how many scores did you get with equifax???
how many did you get with transunion.

you must know that there are 3scores

myfico has a good website to pull all 3.

there are other websites that you can do credit repair for free

Answer 2

I've pulled my FICO score a week apart and had it vary that much using the same credit reporting service.

True Credit pulls it's records from TransUnion. I'm not sure the source for myfico.com.

Just don't apply for any new credit and pay on what you owe. Time will do the rest.

Answer 3

A FICO score is the only score that matters. You can get that score from multiple organizations.

Look at TrueCredit.com and see what score they are reporting. If they don't proudly say it's the FICO score, then it's the credit reporting agencies trash Vantage score that's being reported.

Answer 4

My fico is a fico score developed by a division of Fair Isaac Corporation.
True Credit is a FAKO score.

Also the scores you are looking at via TC are FAKO scores, meaning they are not true Fico scores.
Fair Isaac and his buddies own the FICO algorithm thus only they have access to your "true" FICO. Most people will tell you that FAKO is useless, and well it pretty much is. They can be dead nuts on or 100 points off. Sometimes your FAKO goes up and FICO goes down or visa versa.

A great site to use while your cleaning your credit is www.creditinfocenter.com. There you can ask people questions and read exactly how to clean your credit.

Answer 5

that a hard one.... Two lenders and pull your credit at the same time and still come up with to different scores as well.